Why do I need travel insurance for holidays in Europe?

With holidays to Europe being so easy to get to, is getting travel insurance that important?

With a free European Health Insurance Card (EHIC), you’ll be eligible for free or cheaper medical insurance when you’re away – as long as there’s a reciprocal health agreement in place. But in reality, this often means that you’ll still be landed with a medical bill.

With our insurance and a valid claim, you’ll be able to get back anything you’ve paid. We’ll even waive the excess you’d usually pay if you’ve used your EHIC.

Having an EHIC also doesn’t cover you for anything that isn’t medical related, such as having to cancel or cut your holiday short, where you could lose the full cost of your holiday. Not to mention the cost of lost personal items.

So having good quality travel insurance is important to help fill in these gaps. It gives you protection while you’re on holiday to know that if something goes wrong, you’ll be covered.

How our travel insurance protects you in Europe:

We offer three levels of cover, with our Deluxe choice being the most comprehensive.

As well as being rated as 5 stars by Defaqto, it offers these benefits and more:

Do I need to declare pre-existing medical conditions?

By declaring and covering any condition that you have, you’ll feel happy knowing that if something goes wrong, you’ll be covered – even if it the claim was caused by your condition. Not all travel insurance companies can say the same.

What countries are in Europe for travel insurance?

With differences between the European Union, Europe as a continent and European competitions like Eurovision, it can sometimes be hard to keep up with which country is actually in Europe.

What we can categorically say, is that even though Australia is part of Eurovision, it is not in Europe. Sorry Australia.

If you’d like to check that the country you’re going to is definitely in Europe, take a look at our table below. We’ve even added more information on what region we classify it as for both our single trip and annual policies to help you choose the right cover.

European Country

Single Trip/ Long Stay Region

Annual Region

Albania

2

1

Andorra

2

1

Armenia

2

1

Austria

2

1

Azerbaijan

2

1

Belarus

2

1

Belgium

2

1

Bosnia & Herzegovina

2

1

Bulgaria

2

1

Channel Islands

1

1

Croatia

2

1

Cyprus

2

2

Czech Republic

2

1

Denmark

2

1

Egypt

2

2

Estonia

2

1

Faroe Islands

2

1

Finland

2

1

Georgia

2

1

Germany

2

1

Gibraltar

2

1

Greece

2

2

Hungary

2

1

Iceland

2

1

Isle of Man

1

1

Italy

2

1

Kosovo

2

1

Latvia

2

1

Liechtenstein

2

1

Lithuania

2

1

Luxembourg

2

1

Macedonia

2

1

Malta

2

2

Moldova

2

1

Monaco

2

1

Morocco

2

2

Netherlands

2

1

Northern Ireland

1

1

Norway

2

1

Poland

2

1

Portugal

2

1

Republic of Ireland

2

1

Romania

2

1

Russia

2

1

San Marino

2

1

Serbia/Montenegro

2

1

Serbia/Montenegro

2

1

Slovakia

2

1

Slovenia

2

1

Spain (including Balearic Islands, Canary Islands)

2

2

Sweden

2

1

Switzerland

2

1

Tunisia

2

2

Turkey

2

2

Ukraine

2

1

United Kingdom

1

1

Vatican City

2

1

Let’s go! Get your travel insurance quote now

Get your quote online in just a few minutes by clicking on the get quote button, or talk to us today on 0800 888 6195.

* Discounts apply to the base premium only and cannot be used in conjunction with any other offer. As with most policies, exclusions apply. A policy wording is available on request.

Avanti Travel Insurance is a trading name of TICORP Limited. Avanti Travel Insurance is arranged by TICORP Limited which is registered in Gibraltar company number 111526. Registered office: First Floor, Grand Ocean Plaza, Ocean Village, Gibraltar. TICORP Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC1238B and trades into the UK on a freedom of services basis, FCA FRN 663617.
Avanti Travel Insurance is administered by Howserv Limited which is registered in England and Wales number 03882026. Registered ofﬁce: Britannia House, 3-5 Rushmills business park, Bedford Road, Northampton, NN4 7YB. Howserv Limited is authorised and regulated by the Financial Conduct Authority FRN 599282.

We are remunerated by commission for the arrangement, service and renewal of your insurance policy. Also, for some of our insurers we may receive a profit share payment if they achieve performance targets across their product portfolio.